Hello ! How can I help you , sir ?   I want to take out a loan for school . What kind of interest rate do you offer ?   Do you qualify for any of the Federal loan programs ?   Yes , but I need to borrow some more money .   Well . In that case we can offer you a private educational loan .   What's the interest rate ?   It's 7.2 % , fixed-rate loan .   How do I go about taking it out ?   Just fill out this application . We can let you know right away if you qualify .   All right , thank you ! 